A good amount of money has been stolen from my bank account bypassing the double factor authentication.

In the UK, there is a banking Ombudsman to whom you can complain about your bank's behaviour, and seek redress. I guess you are not in the UK, but perhaps there is something similar in your country?
 
eternal_noob said:
I would get a proper lawyer specialising in IT law. I hardly think anyone here is going to play lawyer for you.
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I don't need a lawyer. But an IT expert,only to raise some crucial questions and perplexities. The goal is to soften some of the ironclad beliefs the bank upholds, like "I'm strong, I know what I'm doing" while you're an idiot. However, if I let them know I understand something, perhaps they might come around a little.
 
It's good to remember the following: "banks are rich, and you are poor". Now, let's repeat that out loud, slowly together, shall we? "Banks are rich, and you are poor" .... and again... and again... 😁
 
eternal_noob said:
Even if you have the perfect arguments that show that the bank is wrong, it does not help. The bank won't suddenly think, ‘Oh, Uncle Mario is right, let's give him his money back.’ You have to sue them.
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I've asked how many euros are needed to sue them. It's needed the half of the sum that I've lost. This month I can't afford it. Maybe the next ones....
 
The UK banking Ombudsman when i used them, were as much use as a chocolate fire guard. The bank just kept shutting down the complaint & i had to waste time getting it opened up again. In the end the Ombudsman said they were unable to help with the case, they knew the bank had made a error with payments & had given the wrong advice. I was basically told to take a £50.00 we are sorry hush money & go away. I moved all my banking the next month.
 
ngnicholson said:
The UK banking Ombudsman when i used them, were as much use as a chocolate fire guard. The bank just kept shutting down the complaint & i had to waste time getting it opened up again. In the end the Ombudsman said they were unable to help with the case, they knew the bank had made a error with payments & had given the wrong advice. I was basically told to take a £50.00 we are sorry hush money & go away. I moved all my banking the next month.
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In italy we have "associazioni dei consumatori".
 
astyle said:
Ah, this is how a scam starts. Friendly, innocent questions that lead the unsuspecting victim to drop their guard and stop paying attention to the important stuff. Then info gets leaked, and scammer disappears with your money.
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I don't know how a scam starts. I thought, maybe ZioMario has kids and they played with his phone somehow.
Now, I'm aware that there was a scam.
:)
 
igork said:
I don't know how a scam starts. I thought, maybe ZioMario has kids and they played with his phone somehow.
Now, I'm aware that there was a scam.
:)
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I'd suggest that you read the whole thread from the very beginning. And yes, this is one way a scam starts, sometimes scammers do play the long game. And it's frankly a survival skill to see common scams coming from a mile away and to know what to do to avoid getting burned, kid!

At this point, the thread is more of a cautionary tale and all the reasons to keep your eyes peeled and to be aware of reality around you.

And yeah, if you do have kids, don't let them play with your phone. Hell, don't turn Alexa or Siri on! Oh, and don't sit on your phone, either, like some rednecks do - you gonna call police out of your ass?

At this point, I'm being very intentional with my choice of words, because a scam is a plenty serious matter, not for light-hearted banter that just anyone can jump into.
 
ZioMario said:
I've asked how many euros are needed to sue them. It's needed the half of the sum that I've lost. This month I can't afford it. Maybe the next ones....
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Picking a fight with a bank is usually not worth it. Esp. when you were actually refunded the money you were scammed out of. I'd consider the matter closed. If you're still not happy, you can just take your money to a different bank, and play by that bank's rules.

Another reason to not even try - the court system is a morass with all kinds of rules and fees, and if you try to go throgh THAT, you'll end up being out more money than the scammer even took in the first place. And there's a risk that it will just take too much time.
 
eternal_noob said:
They took it back from him again.
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Yeah, he should have stopped right there. But now that he got the money back, he goes and blows it on a fight with the very bank that's supposed to keep his money safe? :rolleyes:

Net result, he's out of a lot of money for no good reason. If not the scammer, it's the banking/legal system. Could have kept the money, just had to pick a fight.
 
astyle said:
But now that he got the money back, he goes and blows it on a fight with the very bank that's supposed to keep his money safe?
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I think I didn't express myself clearly. They took it back from Mario. So he technically didn't get his money back.

This circumstance highlights a failure to comply with the obligations regarding the safekeeping of the credentials entrusted to you,and therefore your request cannot be accepted. Therefore, since the checks carried out show that the disavowed transactions were correctly authorized, we will debit the amount we credited to you when opening the case, as provided for in point B of the disavowal form you signed.
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eternal_noob said:
I think I didn't express myself clearly. They took it back from Mario. So he technically didn't get his money back.
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Ah, right... yeah, I missed that part of the conversation.

Yeah, you gotta have a watertight case when fighting the bank. How the money came in, exactly what it got spent on... and exactly where the discrepancies are. OP will need to show that he got scammed into authorizing those specific transactions.

And this is why one needs a tight leash on the money.
 
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